Re: No more offers??

You might be in sort of an in-between phase where the bottom-feeders know that you don't need them any more, but you're not quite in the radar of the next level up. I still hardly get anything at all, other than HSBC trying to get me to accept a GM card (ummm, no), WaMu waving something at me (ditto), and US Bank with a killer offer that I'm steadfastly ignoring.

These pre-approvals are done by buying batches of names and addresses from the credit bureaus of people who fit certain ranges of scores and report cleanliness, so to speak. Your mailbox will start turning into a junk magnet again as you keep improving.

Re: No more offers??

I say "Ah" because even though they WERE the bottom-feeders (though we did get a few offers for AmEx that I KNOW we couldn't have been approved for) they still gave us a nice morale/ego boost. It really sucks to feel like none of the CCCs want you.

But I have to say: with YOUR scores, you should be getting offers by the buttload!!! If you're not, something's wrong with CCCs (well, there IS, but I didn't think it was THAT!)!!!

I'm really hoping that we'll be in 700 country by the time our kids are grad-jee-gating college (in about 8-10 years!)!!!!

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